Icecream17 - I agree with a lot of what he says. He feels that our choices of professions might be different if we had no debt suggesting that many people are tied to their current line of work because of their bills but if they were faced with difference circumstances they might choose to do something else.
He also believes that when all debt is eliminated a person should contribute to a charities or various charities in order to give back to the community.
I like Dave Ramsey. I hear his radio program on Sirius Satellite radio in the afternoon and he gives consistent no nonsense advice that people can really understand. The financial literacy education that he offers his listeners and readers really helps them take a more proactive role in their lifestyle choices and remarkably once many of his listeners get out of debt they learn to live on less and develop newfound confidence in their financial status.
It is really liberating when you get out of debt. However, he is totally against credit cards so if you are looking to buy any of his books from his website you will have to pay by check.
He does practice what he preaches and was also bankrupt once so he understands what overwhelming debt feels like.